Over the last two decades, insurance premiums for commercial properties have steadily increased, costing business owners thousands of dollars to protect their workplaces.have steadily increased, costing business owners thousands of dollars to protect their workplaces. Unfortunately, the trend is continuing this year.How can businesses — particularly small businesses — keep their insurance costs under control this year? Here are few things to consider.
“It doesn’t cost us anything to shop policies, and by looking out for our clients’ best interests, we’ll be able to keep them for a longer period of time,” she says. “If you’re seeing an increase in premiums, you should always be pushing your broker to shop around and look for better deals.
“It’s a big deal if you’re a small-business owner and have to wait for your insurance company and it could potentially delay work or even payment,” said, head of small commercial at The Hartford. “In most cases, our system can deliver a certificate within minutes of requesting.”When you find a good carrier, consider bundling policies with them. Many carriers offer business owners’ plans that combine key coverages — liability, property, cyber — in one plan and at a discount.
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